Affordable, comprehensive auto insurance for individuals and families across Missouri, Iowa, Illinois, and Kansas — from a local agency that knows you by name.
Auto accidents happen every day — and a single uninsured incident can cost tens of thousands of dollars in medical bills, vehicle repairs, and legal fees. In all four states we serve, liability coverage is required by law. But required minimums rarely protect you fully.
As an independent agency, Brawner Insurance compares 50+ carriers to find the right auto policy for your vehicle, your driving history, and your budget — not just the cheapest option on the market.
As an independent agency, we shop multiple carriers and find you the best combination of price and protection — not just the plan that works for one company.
Compare Auto Coverage →We'll compare carriers, find the gaps, and build coverage that fits your driving life and budget.
Get a Free Quote →660-665-1687 · 660-754-1000
Every driver has different needs. Here's what we help individuals and families put in place.
Covers bodily injury and property damage you cause to others in an accident. Required by law in all four states we serve.
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Pays for damage to your vehicle from a collision with another car or object — regardless of who is at fault.
Learn More →Covers non-collision damage — theft, vandalism, weather, hail, and animal strikes. Essential in the Midwest.
Learn More →Protects you if you're hit by a driver with no insurance or not enough coverage. 1 in 8 drivers is uninsured.
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Roadside assistance, rental reimbursement, medical payments, and gap coverage for financed or leased vehicles.
Learn More →We tailor auto coverage to your vehicle and driving needs.
Talk to an Agent →Each state has its own minimum auto insurance requirements. We help you stay compliant and properly protected no matter where you drive.
We'll review your situation, compare carriers, and recommend what actually makes sense for your vehicle and budget.
Get a Free Quote →660-665-1687 · 660-754-1000
Call us or fill out our contact form. Share your vehicle details, driving history, and current coverage.
We compare 50+ carriers side by side to find the best combination of price and protection for your situation.
We walk you through your options clearly. Liability only, full coverage, or everything in between — your choice.
We handle the paperwork. Most policies can be bound same day — you get your ID cards and hit the road protected.
Practical guidance to help you make confident insurance decisions.
Learn why constantly switching providers can create risks and what to consider instead.
Watch on YouTube →Real conversations about fire and EMS coverage, risks, and solutions for districts across Missouri.
Watch on YouTube →Looking for guidance specific to your needs?
Schedule a Consultation →The two main approaches to auto insurance work very differently. Here is what you need to know before choosing.
Best for: drivers with older vehicles who want minimum legal coverage at the lowest cost.
Best for: drivers with newer or financed vehicles who want full peace of mind.
Not sure which level fits your situation? We will compare quotes from multiple top carriers and explain exactly what each policy covers.
Compare My Auto Options →We will review your vehicles, drivers, and budget, compare carriers, and give you a clear recommendation.
Get a Free Auto Review →660-665-1687 · 660-754-1000
Life changes can affect your auto rates and coverage needs. Here are the key moments to check in with us.
Buying or leasing a new car? Coverage requirements change immediately. We will help you add the vehicle, drop the old one, and meet any lender requirements before you drive off the lot.
Marriage, divorce, a new teen driver, or a job change can all affect your premium. A quick review can uncover discounts and ensure everyone in your household is properly covered.
Auto rates are tied to where you park your car overnight. Moving across town or across state lines can raise or lower your premium. Always update us before your move date.
New driver in the household? Teen getting a license? College student moving out? Each of these changes how your policy is rated. Brawner makes the update painless.
Planning Tip: Even without a major event, review your auto policy every 12 months. Carriers change rates annually and a fresh comparison often saves real money.
We learn about your household, daily commute, vehicle values, and any teen or senior drivers.
We shop your coverage across 50+ top auto carriers to find the best rate and right policy fit.
We walk you through limits, deductibles, and add-ons so you know exactly what you are paying for.
We handle the switch, cancel old policies, and stay available year-round for claims and questions.
Practical guidance to help you make confident insurance decisions.
Learn why constantly switching providers can create risks and what to consider instead.
Watch on YouTube →Real conversations about coverage, risks, and solutions for clients across the Midwest.
Watch on YouTube →Looking for guidance specific to your needs?
Schedule a Consultation →We start by understanding your vehicles, drivers, daily mileage, and budget so we can recommend the right auto coverage for you.
We compare quotes from multiple top auto carriers, explaining limits, deductibles, and add-ons in plain English.
Once you choose a policy, we handle the paperwork, cancel your old coverage, and make sure everything is in force.
Brawner Insurance is here all year for claims, billing questions, ID cards, and annual policy reviews — you have a real advocate.
See why drivers across the Midwest trust Brawner Insurance for auto coverage.
"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."
"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."
"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."
Auto insurance typically includes liability (injuries and damage you cause others), collision (damage to your car), comprehensive (theft, weather, animal strikes), uninsured motorist, and medical payments. Brawner Insurance helps you choose the right mix of coverages and limits.
At minimum you need your state's required liability limits, but most drivers benefit from higher limits plus collision and comprehensive. Brawner Insurance reviews your assets and risk to recommend coverage that actually protects you, not just the legal minimum.
Common savings come from bundling home and auto, raising deductibles, removing unnecessary coverages on older vehicles, defensive-driving discounts, and shopping carriers every year or two. Brawner Insurance shops 50+ carriers to find your best rate.
Most full-coverage auto policies extend to short-term rental cars in the U.S. Liability-only policies usually do not. Brawner Insurance can confirm your specific coverage and recommend a low-cost rental endorsement if needed.
Call us right after you are safe. Brawner Insurance helps file the claim, coordinates with the carrier adjuster, arranges rental coverage if you have it, and follows the repair through to completion so you are not navigating the process alone.
Yes — as an independent insurance agency, Brawner Insurance shops your coverage across 50+ top auto carriers to find the right protection at a competitive rate. We work with families across Missouri, Iowa, Kansas, and Illinois.
Brawner Insurance helps drivers across the Midwest find the right auto insurance — liability, full coverage, and everything in between — with unbiased advice from independent agents.
Get a Free Quote →660-665-1687 · 660-754-1000
As an independent agency, we offer the full range of insurance solutions for families, farms, and businesses — all under one roof.
Cars, trucks, and SUVs — coverage that fits your driving life.
Learn MoreProtect your house, belongings, and personal liability with the right policy.
Learn MoreExtra liability protection above your home and auto policy limits.
Learn MoreProtect your family financial future with term and whole life policies.
Learn MoreProtect farm buildings, equipment, and livestock with comprehensive coverage.
Learn MoreBOP, cyber liability, workers comp & commercial auto for businesses.
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